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Interesting Coffee. Have dealt with many local widows with husbands accounts at Thai banks. Admittedly none had a signed document (presumably signed by husband) before death, but when asked about nominating beneficiaries ahead of death, was told no way, other than a joint account. Needs further enquiry.. And if such a document is acceptable as you (or Chalong) suggest, I see no reason why the wife cannot deal with the matter alone at the bank taking her birth and marriage certificates along to prove identity.. Lawyers in the background cost money!
I did what I thought was right.
Of course I don't know what will happen after my death...so hopefully we all have a long time to find out...(surely I can't be bothered. ;-)